The OCU and Facua denounce that the banks try not to return what was collected by ground clauses and warn of “poisoned” offers.

“There are even cases in which the only offer is to eliminate the soil without returning absolutely nothing,” said Ruben Sánchez, Facua.

Adicae, for its part, asks the government to force financial institutions to send a letter to their own clients saying if they are affected.

The Government’s plan provides for the return in three months and that banks only pay costs if the judge forces him to return more than what he offered.

The Government postpones the approval of the system for this Friday to recover what was paid for the land clauses.

A FUND: And after the ruling of the CJEU … how can you claim the money?

The OCU and Facua have denounced this Thursday, a day before the Government approves predictably in the Council of Ministers the extrajudicial procedure to return the amounts of the ground clauses, that the banks are making offers to the clients affected by the clauses in their soil. mortgages to avoid returning all the money overcharged by these limits to the historical fall of Euribor.

Facua-Consumidores en Acción has warned of “poisoned” offers. “It was more than foreseeable that the same entities that deceived millions of consumers with their tricky mortgages would try again even though the judgment of the Court of Justice of the European Union (CJEU) makes it clear that banks have to return absolutely everything they need. They charged more, “Facua spokesman Rubén Sánchez has failed.

Sanchez has stressed that some entities are proposing to some clients to sign documents for which they would renounce going to court in exchange for recovering only part of the money defrauded. “There are even cases in which the only offer is to eliminate the soil without returning absolutely nothing,” he said.

“The solution can not be a negotiation between equals”

For its part, the OCU warns that some entities are offering affected customers to change the variable loan with land for a fixed rate loan- GAD Capital. The organization advises those affected not to accept this type of agreement, which usually includes the refusal to take legal action, “with the intention of closing the door to claim the amounts paid for more.”

The Government must impose on the financial entities the remittance of a letter to its own clients OCU also recommends not to sign variable rate loans with a higher initial rate in the first years, because “the rates will remain low in the short term, although they will go up in the medium and long-term. ” Therefore, it advises those who contract a variable rate loan with a “sufficient” margin of savings or income to face the quota rises that almost “certainly” will occur throughout the life of the loan.

The Secretary-General of Adicae, Fernando Herrero, has claimed for his part that the Government “establish guarantees so that all those affected who have floor clauses in their mortgage know and have the opportunity to claim their rights,” he said.

Herrero pointed out that this proposal is “very easy” to carry out since the mechanism approved by the Government ” can impose on financial institutions the referral of a letter to their own customers ” stating that their mortgage account with a floor clause and the mechanisms to which you can go to claim.

The representative of Adicae has reiterated that the mechanism established by the Government “can not be in any case the negotiation of the individual, of the consumer, with the bank, ” as financial institutions “call for negotiations to flagrantly mislead the consumer, make him sign resignations to rights, which by the way are null, and a long etcetera of abuses “. As he has said, the mechanism “can not be a negotiation between equals”.

Three months of the term … and the bank could not pay court costs

We do not know if the project that it approves will be a government project or it will be a banking project The representative of the association has denounced that the Government has not contacted the consumers, but has only addressed the banks. “We do not know if the project that it approves will be a government project or it will be a banking project, in this sense, we will be vigilant,” he said.

Herrero pointed out that “what it seems to establish” the first draft of measures of the Government of the last Council of Ministers is that if the consumer has received an offer and has not satisfied him, at the time of opening a new lawsuit if they grant him the same or less there will be a condemnation of costs against the bank, something that “in the actual judicial system itself already exists.”

The Government also contemplates a period of three months to recover the amounts since the client contacts his bank. A period that the Minister of Justice, Rafael Catalá, considers however short because the banks “do not have enough people”.

The OCU, for its part, considers that financial entities, “as interested parties”, should not be in charge of calculating the amounts paid for more. ” Consumers do not have the knowledge or the means to verify these calculations, so they could end up signing agreements without knowing if the calculations are correct.”

Friday, 17.10.14 , written by Sabine Temm Barmenia Health Insurance is currently paying more than € 52 million back to insured persons. With the premium reimbursement, the private health insurer rewards the cost-conscious behavior of private insured persons. Other companies such as Debeka, Gothaer and Hallesche are reimbursing premiums in the millions in 2014. > Money back for private insured of Barmenia and Debeka and Co

Currently, Barmenia Krankenversicherung informs its customers about a premium refund. Over 83,000 people will receive contributions. Private insured persons who have not claimed their insurer’s benefits in the past will receive a total of more than 52 million euros . Depending on the number of non-performing years, Barmenia customers receive up to six monthly contributions, depending on the tariff. With the contribution repayment, Barmenia rewards the cost-conscious behavior of its insured. “Once again, many of our insured people contributed to keeping contributions stable. We recognize that, “explains Andreas Eurich, CEO of Barmenia Versicherungen.

Many PKV insured people in the Halleschen be rewarded

Barmenia is not the only private health insurer currently reporting premium refunds. In the last few weeks, other providers of private health insurance have also been sending the good news to their customers. Hallesche , for example, is paying 60 million euros back to insured persons who did not submit any bills in 2013. ” Almost every second fully insured in a reimbursable tariff benefits from the payout,” it said in a press release.

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Premium refund at Gothaer for 60,000 insured persons

Over 25 million euros is the total amount of the premium refund that Gothaer makes. 60,000 privately insured persons will be rewarded with a premium refund for a performance-free year 2013. Thus, Gothaer “returns on the expenditure side to the customers”, explains Michael Kurtenbach, CEO of Gothaer Krankenversicherung. Compared to last year, the company reimburses about one million euros more to its private insured in 2014.

Premium refund: Debeka pays more than 350 million euros

Germany’s largest German health insurance company, Debeka, also announced a premium refund last month. Due to the large number of insureds, the total amount of repayment far exceeds the amounts of the competitors: In total, Debeka Krankenversicherung charges 357 million euros . This will benefit 414,000 private insured persons of the Koblenz private insurer. In the last ten years alone, Debeka has reimbursed over three billion euros, says CEO Uwe Laue in a press release.

Performance freedom is rewarded twice

The repayments are on average often several hundred euros. Given this amount, private insured persons who have a premium refund rate refrain from submitting smaller bills to their private health insurance. This not only gives them the opportunity to recover money from their insurance during a performance-free year. Companies can also reduce their administrative expenses through fewer invoices submitted, which in the end can benefit the entire insurance collective.

Here you will find tips and more information on private health insurance. >

Sabine Temm

editorial staff

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Sunday, 10.07.16 , written by Anja Schlicht Inheritance tax reform continues to be delayed. After initially the coalition could not agree on a common line for months, the Federal Council has now referred the bill to the Conciliation Committee. Some adjustments are not strict enough for the countries. Now it must be nachgehandelt, at the earliest in the fall is expected to progress. >

Tax situation for corporate heirs remains unclear

It came, as it had to come: Already when the coalition presented their plans for inheritance tax reform in June, Union and SPD encountered enormous headwinds. The Greens even questioned whether the bill is constitutional. While the government could be sure of the approval of the Bundestag because of the balance of power, a blockade in the Bundesrat emerged early on, in which the coalition has no majority . No one was surprised that the Länder referred the inheritance tax reform to the Conciliation Committee in their last Federal Council meeting before the summer break. Nothing less is to be achieved there than a fundamental revision of the new rules for company heirs .

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Inheritance tax reform: Federal Council criticizes over-privileging of company inheritances

The Finance Committee of the Länder has put forward a total of eight points, in which the inheritance tax reform has to be improved. Thus, for example, “the possibility of an interest-free deferral for up to ten years is unacceptable.” According to the previous plans, this option is to be granted to entrepreneurs who inherit business assets of 26 million euros and more. As part of a needs test, it is determined how many taxes have to be paid, but can be deferred. Overall, the federal states, which have now voted in the Bundesrat for submission to the Conciliation Committee, fear a renewed over-privileging of operational heirs.

If no compromise is reached in the Conciliation Committee, the inheritance tax reform is in danger of being completely overturned . Originally, the Federal Constitutional Court, which had cashed in on the old regulations for corporate heirs in 2014, foresees July 1, 2016 as the latest date from which the new regulations should come into force. Now the law is delayed until at least autumn.

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Updated on 22.03.12 – Approximately 6.4 million Germans pay into the so-called pension fund to later receive their occupational pension. About one million pensioners currently receive payments from the cash register. In total, a change in the pension scheme would therefore affect over 7 million workers and former employees. The reason for the planned changes, according to the European Commission, is above all the future securing of pensions. The company pension scheme would also be affected by the changes.

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What exactly is planned

Currently, under the Solvency II project, life insurance policies are being tightened. Accordingly, the total amount of equity capital will be increased in order to meet the promised interest and payments in the future.

Demographic change has contributed to the problem of pension losses and burglaries. More and more retirees face fewer and fewer actual payers in the pension fund. It creates an imbalance that ultimately has to be borne by the insuring companies. However, there are too few reserves available to compensate for this imbalance. In order to ensure the payment of pensions and endowment policies in the future, the safety regulations for the companies providing services should now be tightened considerably. Especially in times of crisis and bankruptcies, the question arises as to whether insurance companies and employers are adequately secured.

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Life insurance vs. company pension

The EU Commission sees many similarities in both models. So they both promise guaranteed interest and any surplus payments. For this reason, Solvency II should now be extended to the company pension. For some experts, this comparison lags, however, because in the absence of occupational pensions, the current employees must be liable and in the event of bankruptcy of a company, the so-called pension insurance association is ready.

Too high demands on the pension funds

If the plans of the EU Commission are to be adhered to, the pension funds would have to be increased by an estimated 40 to 50 billion euros. However, this money is not available. Another change concerns the retirement age, which should be increased by at least another 2.5 years in all EU countries. That would raise the retirement age in Germany to 70 years.

Conclusion

It remains to be seen whether the planned changes can actually be implemented by the EU Commission or whether they fail because of the strong opposition of the individual EU governments and the seemingly impossible requirements.

You have the opportunity to get an extension on the loans

Not swapping even a single piece of document is the most significant plus in this particular loan. Also, you have the opportunity to get an extension on the loans. An extension request for precisely the same day cash loans needs to be submitted 3 days prior to the payday due date. Once you choose this option, your saving accounts payday loan will be extended another 15 days. You can make an application for an extension on your same time cash loans for up to no more than four times.

Some people are usually plagued by cash woes

Occasionally the blame for this need to fall entirely on the individual in question. Financial irresponsibility will be the main reason why people turn out to be short on cash. Then they have to run around for every person and from the bank in order to bank looking for a loan associated with small duration. In the case of economically irresponsible people, a short phrase loan merely adds to their particular financial burden. Paying off the particular installments becomes difficult along with a primary cause for getting worried. However, financial irresponsibility is not really the only reason for money issues of all kinds. Circumstances furthermore play a significant role. Unexpected expenses can emerge anytime. Emergencies arrive on our doorstep unannounced. At such instances, people are left with small choice but to decide to discover a loan that will be suitable.

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Pencils plus notebooks for your school-age kids won’t put a big damage in your budget but backpacks, electronics, new clothes and much more quickly adds up!

You are able to opt to be more creative throughout the holidays. Most people do declare they appreciate gifts that will show how much a person loves you about them. What is a better method there to show someone a person care than by making their particular gift yourself? You can find plenty of fantastic Christmas gift ideas on the internet. Consider giving it a try. You may be surprised how much money you can save and thus reconsider taking out bad credit score payday loans.

The ultimate way to financially survive the forthcoming spending season is to be looking forward to it. Don’t stop at having the full payday scoop, yet understand the loans as well. Provide more joy to the forthcoming season by solving the cash problems today.

How long will you delay your vehicle purchase due to lack of financing? Everyone needs a car to commute, not only to the workplace but to other places too. How many times did you want that you could take your family on some trip in your car rather than the public transport? Is poor credit a blockage for your dream vehicle? Forget poor credit. Now some choices offer you no credit score checking auto loans.

The financial loan amount is decided upon with the lenders by looking at your annual income. It is important to show ordinary income. If it is irregular, acquire the help of your credit reports.

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Anyone could get a zero credit assessment loan-it’s easy because of pie. Plus, when you have low credit score history-missed out payments, tardy payments, bankruptcy, such loan providers won’t find regarding it. Everyone can make an application for no credit check auto loans credit score checking loans. It’s unsecured, that means you don’t need any collateral.

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These companies provide financial loans specifically to those borrowers that have a problem in getting a mortgage approved. A borrower can certainly get a loan approved without having to go for a credit check. This option made these loans very attractive along with borrowers. Doing a little analysis over the internet can also help the borrower get a fair offer on loan. A customer has the option of choosing from the wide range of investment options.

The fifth and last tip for singles to save concerns money spent on entertainment and nights out. Take advantage of free of charge events and activities inside your community. Learn how to spend the night in with family and friends, rather than using your cash reserve from that club or eating place. This way your auto title mortgage will come in handy for those events instead of overspending on a very good time.

Despite the advantages, a payday advance is not suitable for each of us. In situations when the significant degrees of money should be applied for instance you should purchase an automobile or a home, you should contact banks for your loans. Cash advance is unsuitable for those too who cannot arrange the finance in coming weeks so that you can pay back the loans. The loans are meant for quick and are going to repaid apparent span.

The internet credit card processing can be considered as working for them. It is a simple process but consists of a series of steps are usually must that must be followed. This online process begins when client or consumer wants to obtain something it’s not when that the merchant’s point of view arrive in to concentrate. For this process, there is indeed a need for software that you can conduct your transactions. The benefits of internet credit card processing can be seen in virtually all areas of fields, however, the best me is in the commercial. Therefore this article will throw a mild on virtually like benefits how the businessman has from individuals of scheming.

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With on the internet marketing business, you can earn some money and get some checks rolling in. Nevertheless, the checks acquire in the post purely the icing on this cake!

There are merely two ways in which you can gain in order to these survey sites. In order to do a search on Google, you will find some free databases of surveys may can consumption. Alternatively, you should purchase a membership from a paid database like Survey Scout the payline credit card processing service like Clickbank account.

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Make sure they show evidence reports each period of time. You want repetitive transparency to your costs and value reductions depending on the credit card processing expenditures.

Bankruptcy was the just solution for people who found themselves in debt in the past. However, since most people filled for personal bankruptcy instead of paying their financial debt, the economy went into recession. The government came up with brand new laws to prevent that from happening in the future. Nowadays, folks who want to file for bankruptcy have to proceed through a more complicated process compared to before. There’s more documents, more stress, and a reduced credit score. In fact, if you seek bankruptcy relief you won’t be able to get a loan for some time.

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My partner is now at her 3rd hospital where this time e-charting has been implemented. The first two hospitals that she worked well at, both got rid of the particular e-charting systems and chose to readopt paper-pencil charting. Exactly why is this you may ask? Since the list of financial consulting firms that designed the specific systems used an expert design to build the techniques.

In the worst-case situation, the kid drops out of senior high school. This will represent about one 2 million high-school young ones annually or about 11% of the US high school populace. Alarmingly so, in the inner cities, this number climbs to nearly 50%. You now know where we obtain all the burger-flippers and dishwashers earning minimum wage.

Full-service brokers are in the top of the service provider checklist. They are much more than just purchase takers. If you are looking for more, this can be the best option for you. Full support brokerages provide a complete selection of financial consulting meaning services that will go beyond picking stocks. They offer retirement planning and other financial goal services.

Set up an emergency fund. There is no this kind of thing as job safety. A job loss could happen any time through no fault of yours. It’s necessary to establish a cost savings fund against disaster. Conventional wisdom says a 6 to a nine-month book is needed. I recommend 9-12 months, especially during times once the economic outlook is bad and jobs at a superior. Keep this money in a water form such as a savings account or even money market fund.

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There is no repayment amount working out, and that is just what this option influences. We offer the step by step calculations beneath for an uncomplicated fixed-rate mortgage loan. House loan -A financial debt instrument, attached by the guarantee of described real estate property, that this borrower can be obliged for compensating with an established set of installments.

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A month later, Kamau’s wife is indeed catching on filling their own financial information. Next, think that you have fantastic credit along with the ability to get a loan on 5 percent together with the same specifications as earlier mentioned. Honest warning, many boring Maths coming up. Each of our simple example of this above will apply to a high “interest only” mortgage, what your location is actually just simply renting the property from the lender.

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The Otoe-Missouria Consumer Funding Services Regulating Commission is an administrative organization solely liable for regulation of Us Web Bank loan. Today lots of people have to apply installment loan products like a strategy for solving their problems if they need dollars immediately without needing time to delay. Please note: We will 1st try to go with you having one of our Installment Loan companies but if according to your information offered there are virtually no Installment Loan companies available we are going to try to fit you together with one of our direct payday lenders. You could be required to send additional paperwork due to point out the law and even qualification conditions.

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Lenders likewise report to credit reporting agencies, so on-time payments may help someone along with a checkered credit rating to improve all their standing. Homme offers a variety of flexible on-line installment funding for people looking for business loans of $1, 000 or maybe more. Most of us include all of our panels regarding direct loan providers and credit history facilities that provide short-term loans. Complete the straightforward application at this moment, and you can find the money you require wired straight away to your bank account.

Many of us only catalog the best loan providers for spotty credit, available in a state. Inside Ohio, INCREASE Credit Services of Kansas, LLC d/b/a RISE is familiar with the laws by the Office of Trade, Division of Banking institutions Certificate Number CS. 900086. 000. Remember to review our Privacy Policy to find out more. In spite of this, if you cure installment loan products like cash loans (if you retain refinancing to increase the final reimbursement date), viewers your debt pressure only develops.